Cadillac Area Ymca

Nonprofit profile at a glance

EIN
300013507
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Cadillac, MI, USA
Phone
2317753369
Rating
86
Verdict
STRONG
Rating confidence
Moderate
Sector
Young Men's or Women's Associations

Official website

Reported finances

Revenue
$2,113,654
Expenses
$2,303,149
Assets
$5,517,270
Liabilities
$137,887

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

13 people listed

People named in this filing

  • DANIELLE EVANS (BOARD MEMBER)
  • CHAD GEIGER (CHAIR)
  • CHRIS GENTRY (BOARD MEMBER)

Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The cadillac area ymca is dedicated to building a healthy, vital, and caring community through enrichment and developmental programs for all.

What it reported doing in 2025

Ymca programs are designed for people of all ages, abilities, faiths, ethnic groups, and incomes. The ymca offers a welcoming atmosphere where participants feel comfortable and receive the support they need to improve their physical, mental, and spiritual health. Ymca programs help develop self-esteem and self-confidence, build lasting relationships, and increase civic engagement. Services are offered at affordable fees for the community at-large, with financial assistance available for those who cannot afford the full fee.

Operating model

Revenue model
Earned-program. 78% of the money available for current operations came from fees and other program revenue.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 89
  • Transparency & Controls: 86
  • Accountability: 94
  • Sustainability: 42
  • Growth: 80

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 99.3%; rating input score 99
  • Program expense ratio: 91%; rating input score 91
  • Fundraising efficiency: $10.5 raised per $1 spent on fundraising; rating input score 37; 37th percentile among comparable filings

Transparency & Controls

  • Consistency checks: 92.9%; rating input score 93; 14th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 6 of 7 controls in place; rating input score 86
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -9%; rating input score 11; 11th percentile among comparable filings
  • Total-asset coverage ratio: 2.4; rating input score 63; 63rd percentile among comparable filings
  • Liabilities to assets ratio: 0.02; rating input score 69; 69th percentile among comparable filings
  • Officer compensation ratio: 0%; rating input score 90; 90th percentile among comparable filings

Growth

  • Program expense growth: 3.3% per year; rating input score 100; 26th percentile among comparable filings
  • Revenue growth: 5.7% per year; rating input score 100; 43rd percentile among comparable filings
  • Asset growth: -0.8% per year; rating input score 0; 9th percentile among comparable filings

Details

  • Where the money goes: 99.3% of revenue deployed · 91% of spending went to programs
  • Governance: 13 of 13 board members independent · 6 of 7 filing controls reported
  • Programs: 1 filed program accomplishment · $2.1M in reported program spending
  • Leadership: top reported pay $0 · 13 people listed
  • Consistency: 29 of 30 current checks pass · 1 finding to review
  • Schedules: 5 filed schedules · includes major donors
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Related organizations: Filed and resolved organization relationships.
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Moderate — Financial Efficiency: Fundraising efficiency scored 37/100.
  • High — Sustainability: Operating margin scored 11/100.
  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.
  • High — Growth: Asset growth scored 0/100.
  • Moderate — Transparency & Controls: Schedule A contributions reconciliation did not reconcile in the filed values.